General Dwelling Protector policy - SGI Canada

Added Features of Your Part 2 —Personal Liability CoverageWe give you two added features as part of your Personal LiabilityCoverage. The amount we pay adds to your total Amount of Protection.No deductibles apply.Voluntary Medical Payments. We will pay up to $5,000 for reasonablemedical and related expenses for each person injured in any oneoccurrence. The injury must be due to your actions, or the condition oruse of your premises. We will pay even if you are not legally liable.Medical expenses include surgical, dental, hospital, nursing, ambulanceservices and funeral expenses. We will only pay for reasonable medicalexpense incurred within one year of the date of the occurrence.We will not pay for expenses covered by any medical, surgical, dental,hospitalization or health plan that the injured person(s) may have, or beeligible for, nor for any costs covered under any other insurance orworkers’ compensation law.We will pay for “bodily injury” to your residence employees, and to paid orunpaid workers who are injured during construction work on yourpremises. We will not pay for “bodily injury” to you or any other memberof your household.Voluntary Property Damage Payments. We will pay up to $5,000 fordirect damage to the property of someone else. The damage must bedue to your actions or the condition or use of your premises. We will payeven if you are not legally liable. This feature can cover deliberatedamage, but it must be caused by a person we cover who is 12 years ofage or less.We will not pay for:— claims resulting from the loss of use, disappearance or theft ofproperty;— loss or damage to property of your tenant;— loss or damage caused by your business activities.Jet Propulsion Personal Watercraft Liability CoverageYour Personal Liability will extend to cover “bodily injury” or “propertydamage” arising out of the ownership, maintenance, operation or use of apersonal watercraft unit, if your Cover Page shows that this extension ofcoverage applies. It will also show which option applies to you and towhich personal watercraft unit(s) it applies. We will automatically providecoverage for newly acquired units for a period of 30 days from the date ofacquisition. The Amount of Protection shown on your Cover Page for thisextension of coverage is the maximum amount we will pay for claimsarising from the newly acquired unit.Passenger Hazard Option (applies only if shown on yourCover Page)You may be legally liable for bodily injury to a passenger of a personalwatercraft unit. A passenger is anyone being carried upon, getting on to,or alighting from the unit.We will not pay for claims when the seating capacity, as established bythe manufacturer, has been exceeded.Claims We Will Not CoverWe will not cover:1) claims due to bodily injury to a passenger unless the PassengerHazard Option is shown on your Cover Page;19